JazaLoan is a free financial toolkit designed for Kenyans. It provides calculators for loans, PAYE, VAT, NSSF, SHIF, and more, helping individuals and businesses make smarter financial decisions.
Yes, JazaLoan is 100% free with no sign-ups or hidden fees. You can access all calculators anytime.
No, JazaLoan works instantly without any login or registration requirements.
Yes, our website is optimized for mobile, tablet, and desktop devices so you can calculate anywhere.
Our tax calculators are updated using official KRA data, including current PAYE, SHIF, NSSF, and housing levy rules.
Yes, most calculators provide options to download or print repayment schedules and summaries in PDF format.
Yes, you can reach us via email, phone, or WhatsApp for assistance with using our tools.
We support reducing balance, flat rate, SACCO loans, HELB, and mobile loans such as M-Shwari, Fuliza, and KCB M-Pesa.
Reducing balance calculates interest on the remaining loan balance, while flat rate applies interest on the original amount. Reducing balance is generally cheaper long-term.
PAYE is based on income bands set by KRA, plus deductions for NSSF, SHIF, and housing levy. Our calculator applies all these rules automatically.
Yes, you can compare SACCO loan repayments alongside banks and mobile lenders.
Yes, our Compare Loans tool allows you to input different loan offers and see repayment schedules side by side.
Our calculators use the latest financial and tax rules. However, final figures may differ slightly depending on your lender or employer’s systems.
No, JazaLoan is an educational tool. For personal financial guidance, always consult a licensed advisor.